Purchase Originations
826
Ranked #439 nationally
Median Total Costs
$3,956
−40.8% vs national ($6,680)
↑ $192 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,270
Median Lender Credits
$164
Cost Rank (500+ vol.)
#106
among lenders with 500+ originations
Denial Rate
7.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 776 | 6.625% | $3,826 | $1,265 |
| fha | 32 | 6.250% | $9,289 | $1,398 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,287 | 5.990% | — | 5 | −$1,669 | |
| 2 | $2,302 | 6.500% | — | 5 | −$1,654 | |
| 3 | $2,497 | 6.625% | — | 25 | −$1,459 | |
| 4 | $2,696 | 6.125% | — | 17 | −$1,260 | |
| 5 | $2,766 | 6.490% | — | 11 | −$1,190 | |
| 6 | $2,880 | 6.500% | — | 25 | −$1,076 | |
| 7 | $3,383 | 6.750% | — | 7 | −$573 | |
| 8 | $3,454 | 6.750% | — | 5 | −$502 | |
| 9 | $3,632 | 6.812% | — | 6 | −$324 | |
| 10 | $3,775 | 6.438% | — | 20 | −$181 | |
| 11 | $3,997 | 6.625% | — | 96 | +$41 | |
| 12 | $4,062 | 6.500% | — | 72 | +$106 | |
| 13 | $4,132 | 6.500% | — | 257 | +$176 | |
| 14 | $4,133 | 6.375% | — | 19 | +$177 | |
| 15 | $4,150 | 6.500% | — | 15 | +$194 | |
| 16 | $4,187 | 6.500% | — | 72 | +$231 | |
| 17 | $4,260 | 6.688% | — | 40 | +$304 | |
| 18 | $4,327 | 6.625% | — | 31 | +$371 | |
| 19 | $4,426 | 6.500% | — | 11 | +$470 | |
| 20 | $4,810 | 6.625% | — | 15 | +$854 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Trustone Financial Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $305,000 | $335,000 | −$30,000 (−9.0%) |
| Median total closing costs | $3,956 | $7,127 | −$3,171 (−44.5%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.